Where to invest inheritance money for my kids?
This money is intended specifically to build generational wealth for children rather than fund your own retirement. Finding the right place to invest it allows you to maximize long-term returns for their future.
What people tried
Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.
- 1Holding cash in a money market fund like VMFXX
- 2Investing in a single globally diversified equity fund like VT
- 3Combining total stock market and international stock market index funds like VTI and VXUS
- 4putting money in regular checking accounts
- 5putting money in CDs, money market accounts, or HYSAs
In their words
Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.
r/personalfinance2 people · September 2026
Where this came up
People with this problem also raised
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